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Arkansas Car Insurance

Car insurance rates in Arkansas are markedly more expensive in eastern areas of the state, along the Mississippi River. You can see comparable state car insurance rates for every ZIP code mapped below -- but even in the most costly cities, you’ll find a big difference in price between insurance companies.

Arkansas car insurance requirements

Arkansas state law requires the following minimum car insurance coverage:

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What you need to know about car insurance in Arkansas

Penny Gusner CarInsurance.com Consumer Analyst

Arkansas car insurance requirements are right in line with many other states: $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage. A family with a home or substantial savings might want to buy more coverage.

While this is not a no-fault state, Arkansas auto insurance companies do offer personal injury protection (PIP). PIP here comes in three parts, which are:

Medical payments

Lost wages

Death benefits

You can decide to purchase any one part or all three together; however, if you determine that you don’t want any PIP coverage you must reject it in writing. If you don’t have health insurance, you might want to consider this option.

Discounts: Arkansas law helps senior drivers save by requiring car insurance companies to give a discount to drivers over 55 who have completed an accident prevention course approved by the state’s Office of Motor Vehicles.

Reasons for cancellation: After a policy has been in effect for over 60 days in Arkansas, an insurer can cancel only due to:

Nonpayment of premium

Fraud/misrepresentation in applying for the policy

Homicide arising out of the use of a motor vehicle

Three separate convictions of speeding and/or reckless driving within the policy period or three months prior to the beginning of the policy period

Conviction of driving while intoxicated

Notice periods: An Arkansas car insurance carrier must give you a 20-day written notice if it intends to cancel, except for cases of nonpayment, which require only a 10-day written notice. If your policy is not renewed, your auto insurer must give you a 30-day written notice.

Uninsured motorist penalties for Arkansas: You may be fined $500 and your registration may be suspended.

Largest car insurance companies for Arkansas by market share

Rank

Company / Group

Direct Premiums Written ($)

Market Share (%)

1

State Farm Group

375,632

24.25

2

Southern Farm Bureau Cas Group

206,211

13.31

3

Shelter Insurance Companies

125,867

8.13

4

Allstate Insurance Group

117,277

7.57

5

Progressive Insurance Group

93,506

6.04

6

Farmers Insurance Group

92,138

5.95

7

Berkshire Hathaway Insurance

81,793

5.28

8

USAA Group

67,526

4.36

9

Nationwide Group

61,861

3.99

10

Liberty Mutual Insurance Companies

44,950

2.90

Source: A.M. Best market share rankings are based on direct premiums written in 2013.